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Your Best Home Mortgage Loan in PA


Get pre-approved for a low-interest rate mortgage loan at FNCB, your community bank in Northeast PA.

Here at FNCB we understand the importance of feeling at home. Whether you are a first-time home buyer or looking to refinance your mortgage, feel at home with FNCB. Our WOW Mortgage is an excellent option for those with good credit looking to pay off their mortgage without the hassle. With an easy, user-friendly application and quick pre-qualification, you’re guaranteed to start saving money fast.

Pay off your mortgage fast
WOW Mortgage offers a great opportunity for homeowners and homebuyers alike to pay off their home loan in as little as 7 ½ years with fixed, competitive low interest rates. Loan terms available in 7½, 10, 14½, or 19½ years.

Borrow equity
Saving for homeowner related expenses, consolidating debt, and home improvements just got easier! Our WOW Mortgage allows you the ability to borrow up to 80% of the equity of your home, so you can focus less on your loan and more on the home. Escrow accounts are also available.

We understand that life changes fast and can be unpredictable. With our WOW Mortgage, you can predict a stable monthly payment at a lower interest rate when you refinance your home mortgage loan at FNCB.

Good Credit
You worked hard on your credit, so now get rewarded! Our fixed mortgage interest rates stay low so you can feel at ease with your monthly payment. Borrowers with excellent credit history and a good credit score qualify for low rates! 


  • Low, fixed interest rates available for those with good credit history.
  • Terms of 7½, 10, 14½, or 19½ years.
  • Borrow up to 80% of home equity.
  • Escrow account available.
  • Available to those purchasing and refinancing.
  • 1st lien position required.
  • Minimum loan amount of $25,000.
  • No points.

Recommended for those who...

  • Are the owner of occupied primary residencies, 1-4 family dwellings, vacation homes, townhouses, and condominiums.
  • Have a good credit history.
  • Are looking to pay off their mortgage fast.
  • Are looking to stay on budget with fixed monthly payments.

Get Pre-Qualified
No need to spend time wondering how much you can borrow. Get pre-qualified for our home mortgage loans today and have peace of mind knowing your next steps! Follow our quick and easy pre-qualification here.

Get started today!
Skip the lines and phone calls and start the online process here for your home mortgage loan today!

Learn More
We know that finding the right loan and mortgage lender may feel overwhelming. That’s why FNCB team members are available to help you with any questions or concerns you may have. We aren’t just your mortgage lender; we are your partner throughout this process.

Interested in our WOW Mortgage but still have questions? Click here to connect with a team



Or visit any FNCB Bank Community Office or call 1-877-879-3622. 

Rates and APR examples are representative of Wow Mortgages available through FNCB Bank. The following Annual Percentage Rate (“APR”) examples are for a typical transaction and are only examples. Please call (877) 879-3622 or visit an FNCB community office to learn more about a specific APR for your transaction. WOW Mortgages are available on 1st lien, 1-4 family owner occupied primary residence or vacation homes with a minimum loan amount of $25,000. For example: If your Annual Percentage Rates (APRs) is 3.875% for 7 ½ years, your monthly payment would be $12.82 per $1,000 borrowed or if your APR is 4.625% for 19½ years, your monthly payment would be $6.49 per $1,000 borrowed. Payments disclosed do not include taxes & insurance. If you choose to establish an escrow account, the actual payment obligation will be greater. Advertised APRs require loan amount not to exceed 80% of the value of the property and borrowers must meet specific underwriting criteria. Property insurance is required; flood insurance may be required if applicable. Title insurance may be required with WOW Mortgages over $100,000.00. Rates are accurate as of March 31, 2022. Loan terms are subject to change without notice. All loans are subject to credit approval. NMLS #410367

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